Side-by-side · Q2 2026 data
Charter Oak Federal Credit Union vs Manchester Municipal Federal Credit Union
Credit union
Charter Oak Federal Credit Union
Waterford, Connecticut · $1 billion – $10 billion
Credit union
Manchester Municipal Federal Credit Union
Manchester, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Charter Oak Federal Credit Union | Manchester Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 62 |
| Capital cushion | 75 (stronger) | 42 |
| Loan quality | 83 (stronger) | 67 |
| Earnings | 84 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 94th | 24th |
| Total assets | $1.7B | $40.1M |
| Deposits / shares | $1.5B | $36.3M |
| Capital ratio | 12.54% (stronger) | 9.21% |
| Problem loans | 0.50% (stronger) | 0.99% |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.60% (stronger) | 0.75% |
| Loans ÷ deposits | 57.9% (stronger) | 69.6% |
| Uninsured deposits | 6.5% (stronger) | 6.6% |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Charter Oak Federal Credit Union has the higher TellerScore (85 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Charter Oak Federal Credit Union leads on 6 and Manchester Municipal Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.